Privacy Policy

Last updated: January 2025

1. Introduction

HatidAral ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.

We comply with the Data Privacy Act of 2012 (Republic Act No. 10173) of the Philippines.

2. Information We Collect

Personal Information

  • Full name, date of birth, address
  • Email address and phone number
  • Government-issued ID details and images
  • Employment information and income details
  • Bank account and GCash details
  • Photos (selfie with ID)

Financial Information

  • Income and employment verification documents
  • School tuition and assessment details
  • Payment history and transaction records
  • Post-dated check information

Technical Information

  • IP address and browser type
  • Device information
  • Usage data and activity logs

3. How We Use Your Information

We use your information to:

  • Process loan applications and verify identity
  • Match borrowers with lenders
  • Process payments and collections
  • Communicate about your account and transactions
  • Comply with legal obligations
  • Prevent fraud and ensure platform security
  • Improve our services

4. Information Sharing

We may share your information with:

  • Lenders/Borrowers: Relevant information needed for the lending transaction (after matching)
  • Schools: To verify enrollment and process tuition payments
  • Payment processors: To process transactions
  • Legal authorities: When required by law or to protect our rights
  • Credit bureaus: To report payment history (where applicable)

We do not sell your personal information to third parties.

5. Data Security

We implement appropriate security measures to protect your information, including:

  • Encryption of sensitive data
  • Secure servers and databases
  • Access controls and authentication
  • Regular security assessments

However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to:

  • Provide our services to you
  • Comply with legal obligations
  • Resolve disputes and enforce agreements

Financial records are retained for at least 10 years as required by Philippine law.

7. Your Rights

Under the Data Privacy Act, you have the right to:

  • Access your personal information
  • Correct inaccurate or incomplete data
  • Object to processing of your data
  • Request erasure of your data (subject to legal limitations)
  • Data portability

To exercise these rights, contact us at privacy@hatidaral.com.

8. Cookies

We use cookies and similar technologies to improve your experience on our platform. You can control cookies through your browser settings.

9. Children's Privacy

Our platform is not intended for users under 18 years of age. We do not knowingly collect information from minors.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated date. Continued use of the platform after changes constitutes acceptance.

11. Contact Us

For privacy-related questions or concerns, contact our Data Protection Officer:

Email: privacy@hatidaral.com
Address: Metro Manila, Philippines